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I made a deposit by check / cash and received a receipt, but the bank says that its records do not reflect the deposit. As I have a receipt, doesn’t the bank have to credit my account?

It depends. You should contact the bank and provide any details about the deposit, including a copy of the deposit receipt. However, the bank may not accept the deposit receipt as conclusive evidence that you deposited the funds in the amount shown on the receipt. If the deposit slip contains an error or the associated amount of cash or checks otherwise do not match, the bank has policies and procedures to reconcile the discrepancy.

If you deposited a check, contact the party that provided the check to you and obtain a copy of the front and back of the check. Provide the copy of the canceled check along with the receipt when you contact the bank.

If you deposited cash, and the bank does not honor the receipt, you may need to seek legal assistance to resolve the issue.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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